What is the most common complaint against Financial Management Solutions, LLC?

The most common issue consumers report about Financial Management Solutions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 251 complaints filed with the CFPB.

Are complaints against Financial Management Solutions, LLC increasing or decreasing?

Complaints against Financial Management Solutions, LLC are falling. The company received 40 complaints in the last 12 months, showing improvement over prior periods.

What is Financial Management Solutions, LLC's reputation grade?

Financial Management Solutions, LLC has a reputation grade of D (score: 52.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Financial Management Solutions, LLC respond to consumer complaints?

Financial Management Solutions, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 28% of cases.

In how many states does Financial Management Solutions, LLC operate?

Financial Management Solutions, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Maryland (140 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Financial Management Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

82
False statements or representation

41
Took or threatened to take negative or legal action

36
Written notification about debt

35
Cont'd attempts collect debt not owed

20
Communication tactics

19

Data updated September 2026

CFPB complaint disposition

CCDB record financial-management-solutions-llc Financial Management Solutions, LLC

Grade D · 251 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #448 · compose #3818

VOL 251
GRADE D
12MO 40
STATES 17
TIMELY 98%
DISPUTE 28%
ISSUE Attempts to collect debt n…
RANK #448
COMPOSE #3,818

Volume peers

Nearest volume peer: BC Services, Inc. (251 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Financial Management Solutions, LLC's 251 CFPB complaints sit next to BC Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

55.8% of Financial Management Solutions, LLC's CFPB filings land in Maryland

High volume does not equal a clean composite: Financial Management Solutions, LLC is volume #448 but composite #3,818, while Maryland dominates the geography. Corpus placement method.

Dominant state: Maryland 55.8%; 140 of 251 filings · 17 states touched
Even monthly load: Peak under 8%; Highest month 2023-12 at 6.7% (2 filings)
Divergent corpus ranks: #448 volume; #3,818 composite; Cleanest-composite ladder is 3,370 places worse than volume

How does Financial Management Solutions, LLC compare to its peers?

How does Financial Management Solutions, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Financial Management S… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

91%

Consumer-dispute ratelower is better

28%

39%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-02 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	82
False statements or representation	41
Took or threatened to take negative or legal action	36
Written notification about debt	35
Cont'd attempts collect debt not owed	20
Communication tactics	19
Disclosure verification of debt	15
Taking/threatening an illegal action	2
Improper contact or sharing of info	1

Where do complaints against Financial Management Solutions, LLC come from?

Financial Management Solutions, LLC's own per-state count, not a national baseline.

Maryland

140
Virginia

34
District of Columbia

23
Pennsylvania

11
Georgia

9
Texas

7
Florida

5
New Jersey

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Financial Management Solutions, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 251.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.33333333333333%.

4 peers

Know your rights before responding to Financial Management Solutions, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.